Investor Presentaiton
Leading Pakistan's agricultural landscape...
Agriculture Value Chain
Financing for businesses with linkages to
agriculture eg processing units and cold storage
3 Bn+
Portfolio size in first 2 years
Agriculture Portfolio (Rs. Bn)
99
97
HBL Market Share
74
45
49
55
33
33
36%
21
52
50
34
41
Greater than next 2
competitors combined
2020
2021
2022
Jun'23
OHBL OHBLMFB
Innovative Agriculture solutions
Invested in Naymat Collateral Management which
accredits warehouses - enables better storage of
produce and ability to finance against secure collateral
➤ 1st bank to fund Electronic Warehouse Receipt.
70% share of EWR financing for Maize
Yield Insurance: This provides insurance to farmers
in-case crop yields are impacted by climate events.
Mobile App - Salesflo
➤ Agri field team provided with Handheld devices
with 4G connectivity to digitally capture field
visits
Improved sales management & monitoring of
field activities
SBP Recognition
HBL ranked #1 by SBP among large banks
HBL MFB ranked #1 among microfinance banks
Dairy & Livestock Financing
2K+ Dairy Farmers and
125K+ Animals financed
Livestock loan
insurance launched
HBL
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